Better credit. Brighter futures.

Yes. Disputing your own credit report is a right the Fair Credit Reporting Act gives every consumer, whether or not you ever hire anyone. Score Pros is a credit and financial consulting company: we read your reports with you, identify what can be challenged and on what grounds, and prepare the letters. You send every one yourself.

You can do all of it yourself for free. Hiring help is about time, documentation, and knowing which grounds apply to which item, not about handing the bureau relationship to someone else. Everything we help you challenge stays inside the FCRA, start to finish.

Here is the only part with a real number in it: once a dispute is filed, the bureau has 30 days to investigate under the FCRA, extendable to 45 if you supply additional information during that window. That is a legal deadline for the bureau, not a promise about your file.

Most files run more than one round, because responses come back in stages and a verified item can be challenged again with new information. How many rounds yours needs depends on how many items are in question and how the furnishers respond. Results vary, and no outcome or timeline is guaranteed. Any company that gives you a date is making it up.

No, and neither can anyone else. If an item is accurate, complete, and verifiable, it belongs on your report and it stays there until it ages off on its own schedule.

What we help you challenge is reporting that appears inaccurate, outdated, or unverifiable: wrong balances, wrong dates, accounts that are not yours, duplicates of the same debt, items past the reporting period, or entries a furnisher cannot substantiate. If a company tells you it can delete accurate debt, that is your signal to leave.

A free, no-obligation call where we go through your credit situation with you, answer your questions, and explain what is helping and what is hurting. You leave with a clear picture of your file and realistic next steps, whether or not you ever become a client.

It is not a coaching call and it is not a DIY tutorial. It is a professional read on your situation so you can decide what to do with real information. Book one here.

The Clarity Session is free. Beyond that, the price depends on which of the four paths fits and how much work your file needs, so it is quoted on your call rather than posted as a one-size number.

How it works structurally: a setup step plus a monthly, month to month, no long-term contract. CROA prohibits charging for credit consulting services before they are performed. You can cancel anytime, and you also have a written right to cancel the contract itself for any reason at no cost: three business days under CROA, and longer in some states (five working days in California). Our self-serve products are published: ScorePros AI is $49.99/mo, Approval Lab is $25/mo, and the business DIY Builder is $99/mo. More on the pricing page.

Yes, and for some files that is genuinely the right answer. Everything we help you challenge, you have the legal right to send yourself for free.

People hire us for three reasons: the volume of items is more than they want to track, the grounds for each challenge are not obvious, or they have already tried and the responses came back verified and they do not know why. If you want to run it yourself with better tooling, ScorePros AI prepares the letters and you approve every one. If you want to learn the system properly, that is Approval Lab. Free reading lives in the resource library.